Compared ZIP · San Francisco · California ZIP 94109
In San Francisco ZIP 94109, Travelers ranks highest and Safeco ranks lowest.
Travelers ranks highest (78.9); Safeco ranks lowest (42.8). The middle bodily-injury percentile is 52.4. Reviewed plans are 36.1 points apart. Collision splits more (48.4 points), with State Farm highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
52.4
Middle percentile across available plans.
BI plan spread
36.1
Travelers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Safeco lowest.
Travelers
Quantum Auto 2.0
78.9
Within-plan percentile
Progressive
CA Select PPA
59.2
Within-plan percentile
Tesla Insurance
Tesla PPA
52.7
Within-plan percentile
State Farm
Private Passenger Auto
52.0
Within-plan percentile
Farmers
Farmers Auto
51.9
Within-plan percentile
Safeco
Private Passenger Auto
42.8
Within-plan percentile
State Farm ranks highest (89.2); Progressive ranks lowest (40.8). Collision spread is 48.4 points, wider than bodily injury.
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 52.4 | 36.1 pts | 52.7 | 42.8 | 78.9 | 51.9 | 59.2 | 52.0 |
| Property damage | 85.5 | 40.4 pts | 85.0 | 86.1 | 92.4 | 90.7 | 77.4 | 52.0 |
| Medical payments | 45.2 | 40.7 pts | 58.2 | 41.7 | 37.7 | 72.6 | 48.7 | 31.9 |
| Uninsured motorist BI | 27.0 | 44.9 pts | 14.2 | 41.9 | — | 27.0 | 59.2 | 20.0 |
| Uninsured motorist PD | 38.1 | 27.1 pts | 54.1 | 35.4 | — | 27.0 | 40.8 | — |
| Comprehensive | 75.5 | 44.1 pts | 72.4 | 91.6 | 77.1 | 73.8 | 47.6 | 83.7 |
| Collision | 88.3 | 48.4 pts | 84.8 | 87.8 | 89.1 | 88.8 | 40.8 | 89.2 |
Widest coverage spread
Collision
State Farm and Progressive are 48.4 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 27.1 percentile points apart.
What this does—and does not—mean.
Percentiles are calculated separately inside each rate plan and coverage. That makes relative positions comparable without pretending that unlike raw factors are the same thing.
A higher percentile does not identify the most expensive insurer. Base rates, driver history, vehicle, mileage, limits, deductibles and discounts still affect the final price.
The comparison uses approved filings from Tesla, Safeco, Travelers, Farmers, Progressive and State Farm. Filing tables can change, and some plans do not provide every coverage for every ZIP.